The moment you have to file a claim is the moment you find out whether your coverage is enough. For some drivers, that reality comes after a highway accident. For others, it’s a tree branch through the windshield. Collision and comprehensive auto insurance are two types of coverage every driver should understand, because each protects you in different situations. In this blog, we’ll break down what each type of coverage includes and how to choose protection that fits your vehicle.

Collision Coverage

Collision coverage pays to repair or replace your vehicle if it’s damaged in an accident — no matter who’s at fault. This applies when:

• You collide with another vehicle
• You hit an object such as a fence, tree, or guardrail
• Your car is damaged in a single-vehicle incident, such as sliding on ice or hitting a pothole

If your vehicle is newer, holds significant value, or would be costly to replace, collision coverage is worth serious consideration. In Massachusetts, it’s not legally required, but if your car is leased or financed, your lender will almost certainly require it.

Comprehensive Coverage

Comprehensive coverage steps in when your vehicle is damaged by something other than a collision. This includes:

• Weather damage from hail, flooding, or strong winds
• Theft or vandalism
• Fire damage
• Falling objects such as tree limbs
• Animal-related accidents, such as hitting a deer

Think of comprehensive as protection for “everything else” that can happen when you’re not driving into something. It’s a critical part of collision and comprehensive auto insurance decisions, especially in New England, where severe weather, wildlife, and seasonal storms all increase risk.

When You Might Need Both

Collision and comprehensive insurance work best together. Collision protects you from the financial hit of an accident, while comprehensive shields you from non-collision damage. Together, they cover a wider range of scenarios outside of standard MA auto policies. For many Massachusetts drivers, having both is worth the investment. And if your car is financed, you’ll likely be required to carry both until the loan is paid off.

At the Safeside Insurance Agency, we help Massachusetts drivers build auto insurance plans that match their needs and budget. Whether you need collision, comprehensive, or both, we’ll explain your options so you can make the right choice before you ever need to file a claim. Contact us or start a quote to find the Right Insurance for the Right Price.